With the growing ageing population in Singapore, and longer life expectancies, more hospital and community resources will be required. Effective optimization of our resources to make the best use of the health dollar is mandatory. Appropriate integration of care, especially in those who have complex medical and social needs will be one way of making the best use of available resources and funds. The financing philosophy of Singapore's healthcare delivery system is based on: individual responsibility, and community support. To help Singaporeans to pay for their medical expenses, the government has put in place a financing framework, which consists of Medisave, Medishield, Medisave-approved Integrated Shield Plans and Medifund. To these have been added the Eldershield and IDAPE, as well as MOH subsidies for the needy in the PCPS, acute hospital services, intermediate care services, and long term care services. The quantum of subsidy for the needy is determined by means testing. Together, these frameworks form the 5 layers of support for healthcare financing in Singapore: First layer – Heavy government subsidy of up to 80% of the total health bill in acute public hospital wards. Second layer – Self funded or family funded financing e.g. savings and Medisave. Third layer – Insurance e.g., Medishield, Eldershield. Fourth layer – MOH subsidy for the needy – PCPS, Acute, ILTC services – the quantum of subsidy depends on means testing. Fifth layer - “Safety net” financing – Medifund.